The big spot isn't a dust bunny, though there are a few in there.
It looks exactly as I thought it would. I've seen spots like this discussed several times over at
nikonians, and the concensus seems to be reflection from the rear element of the lens. I've taken the liberty of running the image through Topaz Adjust to better show the problem, and then [RANT]
realised that I can't just post it into the thread, and do you know I just can't be bothered to post it somewhere else & link to it. Are you listening, Photo Radar team?[/RANT]
Chris
Later:
Here's another thread at another place discussing a similar thing.